"Our partnership with Zementis enabled us to roll out a comprehensive solution with immediate operational benefits and overwhelming acceptance from our team of account executives and loan officers. We are extremely proud to now offer FirstQual to our wholesale brokers and business partners. This rollout further manifests our commitment to deliver superior customer service to the mortgage industry."

Jeffrey Henschel,
President, First NLC Financial Services, LLC.

"When compared to its competitors, Zementis has implemented software that is a breakthrough leap in business value -- reducing total cost of ownership, offering more features, and being more adaptive to current mortgage market conditions than any of its peers."

Mortgage Technology Executive,
A Leading National Lender.

"We have investigated and tested several automated prequal/pricing solutions. Zementis is hands down the best solution we have found. The tool is fast, easy and accurate. New loan officers, account executives and even borrowers can quickly and accurately qualify and price a loan. The engine supports multiple take out investors making it a great fit for the most broad lined retailer or net branch operation. Wholesaler operators will enjoy the power it brings to their counter parties. In today's market cost to originate and turn time are everything. The Zementis PreQual engine literally takes underwriting and the lock desk to the point of sale, so two critical decisions can be made: Can we lend on it and do we have a loan that makes sense for the borrower? Great job Zementis."

P. Cash Doye,
Chief Executive Officer, NewPrime Home Loans, LLC.

"Default rates jumped for mortgages made in 2006 compared to prior recent years, most notably in the non-prime market, putting even large lenders at risk of failure. As non-performance climbs, driven by no-income-verification loans and low-to-no down payment programs, the need for greater sophistication in risk management rises also. Lenders need tools to better predict loan performance, and investors need assurance that, while taking additional measures to protect performance, costs are kept under control. Zementis has created solutions with these considerations paramount in their design. "

Paul Bohan,
Chairman and CEO of Bohan Group LLC.